Crydit vs Revolut
Both Crydit and Revolut clear the checkouts our readers ask about most. Here is where the two part ways on fees and verification.
Both issue on Visa · Mastercard; verification is ID + proof at Crydit versus ID only at Revolut.
Revolut is the more cost-effective option for everyday spending and travel thanks to its free virtual cards, no monthly fee, no top-up fee. Crydit is the better fit for power users who need Alipay or WeChat top-ups.
What sets them apart
| Field | Crydit | Revolut |
|---|---|---|
| Card network | Visa, Mastercard | Visa, Mastercard |
| Card type | Crypto Card | Digital Bank / Neobank |
| KYC | ID + proof | ID only |
| Card issuance fee | Visa card $179 (promo); Mastercard $199 ($100 off with existing Visa) | Free |
| Monthly fee | Free | Free (Standard); Plus £3.99; Premium £7.99; Metal £14.99; Ultra £55 per mo |
| Top-up fee | Visa 1% (account-to-card transfer); Mastercard 1.5%+12U | — |
| FX fee | Visa spending 1.5%+$0.8; Mastercard spending 0% | 0.5% |
| Crypto funding | Yes (USDT/USDC/DAI/USD1) | Yes |
| AI tool support | ChatGPT / Claude / Midjourney | ChatGPT / Claude / Midjourney |
| Risk level | Medium | Low-Medium |
| Our rating | 7.3 | 9.0 |
| User reviews | 692 | 80 |
| Best for | All-rounder · Ad spend | All-rounder · Ad spend |
A green left edge marks the side that holds the advantage on that row, where the data gives one.
Where they split
- Budget-led users will lean to Revolut: the running cost is the lower of the two.
- Revolut asks for less verification up front, which matters if you want a card live the same day.
- Revolut edged Crydit on our composite rating across fees, risk and merchant tests.
- If risk rating weights your choice, Revolut is the calmer of the two.
The two, compared
Revolut is the cheaper card to hold: free to create and no top-up fee, against about $179 and a 1% top-up at Crydit. Crydit earns its keep only if you need Alipay or WeChat top-ups.
Questions people ask
That depends on what you spend on. Crydit scores 7.3/10 against Revolut's 9.0/10 in our tests, but the two split on fees, KYC and crypto funding. Read the table above, then match it to the checkouts you actually run.
Revolut works out cheaper: no virtual card issuance fee, free account maintenance, no top-up fee. Crydit adds about $179 per virtual card, a 1.5% FX fee, a 1% top-up fee.
Crydit asks for ID + proof at signup; Revolut asks for ID only. If a light sign-up is the priority, the one with the lower KYC label is the faster route.
Both show up in 1 of the same test scenarios, including Reddit Ads. They overlap on a good share of checkouts, so the choice between them matters most on those pages. Where one is accepted and the other is not usually comes down to the billing country and 3-D Secure handling.
Where both show up
Crydit and Revolut both landed in our top picks for 1 checkouts. Grouped by category so you can jump straight to the one you actually pay for:
📈 Ad Platforms 1
Their BIN ranges
Cards issued in 🇦🇺 Australia · 🇬🇧 UK — the country guides group every range we track from there.
What our charge log shows
Every count here is a real charge attempt we placed on that range, renewals included, with the gateway response recorded. Weeks tracked is how long the range has been in the programme: